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Kasikorn Bank
  • Product - KBank Home Loan
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KBank Home Loan: Up to 30-Year Term with Monthly Installments


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Super Exclusive 1 on 1 Consultation

Special service from our experts to
serve and guide you at your site

Free Fire Insurance

Premium worth 0.02% of the sum insured throughout the loan contract

KBank Home Loan Family Privileges

Enjoy exclusive offers to enhance your new home ownership experience

Product Features

  • Loan amount: From 700 million - 10 billion VND
  • Maximum loan amount: Up to 80% of collateral value
  • Loan tenor: From 61 to 360 months
  • Age of the borrower including loan tenor: Not over 60 years for female, and 62 years for male
  • Loan repayment: Monthly repayment schedule
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*Note: The above monthly installment calculation is for reference only. There may be slight deviations from the actual result when the customer uses the service.
 
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Eligibility
  • A Vietnamese citizen, resident in Ho Chi Minh City
  • Age from 20 to 62 years
  • A salary earner who is working in private company that located in Ho Cho Minh City
  • Total working experience more than 1 year
  • Has been working in current company more than 3 months
  • Total monthly income (all borrower) more than 20 million VND
Interest Rates

Interest rate options available as below:
  • Fixed 1 Year: 5.0% per year
  • Fixed 2 Years: 5.5% per year
  • Fixed 3 Years: 5.75%/year (The best selling option)

  • After the fixed interest rate period, the floating interest rate will be applied by using averaged 4 Banks’ 12-Month Term Deposit Rate of Vietcombank, BIDV, VietinBank, and Agribank plus 6% (no minimum)

    *Announcement date 1/7/2025, until changed by KBank Vietnam announcement
Fee and Charges
  • Early repayment fee:
    1st year: 2.50% of paid principal amount
    2nd year: 1.50% of paid principal amount
    3rd year: 1.00% of paid principal amount
    After 3rd year: waived

  • Fee for procession title deed borrowing (e.g., for visa interview): 2,000,000 VND (non-VAT) per transaction

  • Fee for copy of title deed (legal fee and notarized service fee are excluded): 100,000 VND per document (non-VAT)

  • *Announcement date 01/06/2025, until changed by KBank Vietnam announcement
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Promotion

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Special 3-Year Fixed Home Loan for August

01/08/2025 - 31/08/2025
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Steps to Apply for
KBank Home Loan
 
 
 
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Disclaimer
  1. I hereby give my explicit, voluntary, affirmative, and consent for KASIKORNBANK PUBLIC COMPANY LIMITED - HO CHI MINH CITY BRANCH (“KBank”) to contact my basic personal data above for KBank products and services via email and phone. I also acknowledge that I have read, understood, and understand Personal Data Protection Policy Notice. Moreover, I agree that KBank may transfer and disclose any information provided to KBank's affiliates/subsidiaries and any sub-contractors/agents for the same purpose whether in Vietnam or oversea. I acknowledge and confirm that my personal information filled in this form are true, complete, accurate and updated. For more information, please contact K-Contact Center at tel. +8428 3821 8888.
  2. In the event that I disclose another person's personal data to KBank for the aforementioned purposes, I represent and warrant to KBank that I have obtained consent from such person or has a legal basis to disclose such person's personal data to KBank and has informed such person of the details of the collection, use and/or disclosure of personal data and the aforementioned Personal Data Protection Policy Notice. I will indemnify KBank for any cost, charge, damages, expenses or loss incurred to KBank due to my failure to comply with this provision.

FAQ

What is KBank Home Loan?
  • KBank Home Loan is a secured loan provided by KBank Vietnam for a salary earner who working in private company and live in Ho Chi Minh City. Our product purpose is to support home buyer by mortgaging the purchased property or other debt – free residence that is owned by the customer.
What type of collateral that KBank can accept?
  • The collateral is house, town house or apartment with title deed ready in Ho Chi Minh City.
How long the loan tenor that I can apply for?
  • Loan tenors are available from 61 to 360 months. The combined age of the borrower and the loan tenor must not over 55 years for female, and 60 years for male.
Do I have to buy insurance during the loan tenor?
  • Customers are not required to purchase any insurance. KBank provides free annual fire insurance (premium rate 0.02% of sum insured) through out the contract period. The coverage of fire insurance is 110% of loan outstanding balance or building value, whichever is lower.
How does the bank identify the value of my property? Can I choose my preferred valuation company?
  • The value of your collateral will be assessed by a Valuation Company appointed by KBank. The valuation company is randomly selected by KBank.
Documents
DocumentsDownload
KBank Home Loan: Fact Sheet Download
KBank Home Loan: Interest Rate Calculation Download
KBank Home Loan: Application Form Download
General Terms of Loan Agreement Download